Date Received: 2021-07-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a consumer credit card with HSBC. I owed XXXX cents which was due on XX/XX/2021. Rather than write and mail a check for XXXX cents, I went into a branch and paid it in cash, receiving a receipt as proof of payment. I made this payment on XX/XX/2021, which was three weeks before it was due XXXX see attachment to this complaint ). I was told by HSBC that this was acceptable. To my surprise, I learned on XX/XX/2021 that they never posted this payment, and now it shows that I paid it late and received a late payment penalty. I attempted to correct this via phone on XX/XX/2021, but they were unable to help me, so I had to go to the branch where I made that payment ( HSBC, XXXX XXXX XXXX, XXXX XXXX CA XXXX ) to have this matter cleared up. So, I immediately went to the branch and showed them the receipt with the payment date of XX/XX/XXXX, and asked them to correct my payment record and reverse any late fee. I was assured by the Vice President/Branch Manager XXXX XXXX that the record would be corrected, reversing any late fee and showing that I paid the amount on time, on XX/XX/2021 XXXX not late ). Today, XX/XX/2021, I called HSBC to confirm that everything has been corrected. I spoke to " XXXX '' who, to my surprise, told me that the payment is showing as paid - but their records shows that I paid it yesterday ( late! ) on XX/XX/2021. I asked that the record be corrected - I do NOT want a late payment showing on my payment record - but she said that there was nothing she could do about it. This is not right - I did not make a late payment on my credit card account, and HSBC records should NOT show that I did. I want HSBC to clearly show in their records that I paid my credit card bill on time, three weeks prior to the due date, on XX/XX/2021 - not late! Also, Branch Manager Mr. XXXX XXXX should not have misinformed me by telling me that the payment date would be corrected to show that I made the payment on time.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the HSBC Premier Checking account on XX/XX/2021 via the promotion link similar to this one : XXXX : XXXX XXXX XXXX On the page, they specify that I can " Enjoy 3 % Cash Bonus, up to {$600.00}, on Qualifying Direct Deposits, up to {$100.00} per month, during the first 6 calendar months after account opening ''. Then I do set up my direct deposit using my salary payroll. From the terms " The 6 calendar months from account opening begins with the first full calendar month after your Premier checking account is opened. ", four full months have passed, each month there are {$5000.00} direct deposit into the checking account, but I got no bonus. And the customer service told me that I am not enrolled in that promotion, which sounds like a scam. I suspect this may be caused by their identity verification process after my account application is submitted. They might open my account in another way after the verification and my campaign bonus was not tracked.
Company Response:
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Recently my credit card company has started putting 14 day holds on most of my payments. This is a reward card and I had car payments, cable, cell phone, utilities and other automatic payments posted to this ard to maximize rewards. By failing to give me immediate redit they have made me remove all payments because for most of the month they are not making the funds available They never notified me of this " change '' and I only found out when scheduled transactions were declined. In over four years with this card - credit was granted immediately. I have not had any late payments or returned payments. I believe they saw that I was using the card for full reward benefits and instituted this to prevent me from earning maximum rewards. The card # below is a new card issued, XXXX 2021 and replaces card ending in XXXX which is where the unfair practice started
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with HSBC on XX/XX/XXXX using a link that was supposed to trigger a bonus offer of 3 % cash back on qualifying deposits for the first 6 months ( a maximum of {$700.00} ). The bonus offer required account opening by XX/XX/XXXX. I submitted my application on XX/XX/XXXX and received a confirmation of my application on that day. But I received confirmation of account opening on XX/XX/XXXX. As I was concerned that I would not be enrolled for the bonus, I confirmed with an HSBC agent that I would be enrolled and I was told that I would be. Relying on that conversation, I proceeded to use the account and make deposits according to the terms. However, since then I have not received any of the cash back. It has been much longer than the 8 weeks the bonus terms say to wait for deposit. A chat agent on XX/XX/XXXX confirmed that I had made the required deposits and said they would put in a complaint about the bonus I had not received. I also called and used the HSBC secure message feature to inquire. I was eventually told that my account was not enrolled in the bonus confirmation, despite my initial confirmation. I believe I am entitled to the maximum {$700.00} bonus, but I have received {$0.00}. The bonus code is XXXX. Please let me know if I can provide any additional information.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX tried to tell me the there was a debt from a credit card that i owed and that they will sue me and take me to court if i dont resolve it asap. they told me information that was wrong about my account and gave me wrong dates that did not apply to me. I have already made a payment arrangement with a debt collector that i know is ledgit and am working with them. they took my debit card information ( i have since cancelled it and got a new one ) and also put a stop payment on the account so they can not charge it. i reported it to the XXXX XXXX XXXX as well.
Company Response:
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On or about XXXX my HSBC credit got a unexpected credit limit increase. I notice on XXXX or XXXX XXXX CC statements my balance continue to increase after making timely monthly payments. I call the customer service for HSBC and reported Fraud charges with a balance of about XXXX dollars, my credit card was cancel and a new one was sent out. the next month, I notice the balance was forward to the new credit card, I call customer service and requested an explanation why ; I have monthly finance charges on a balance that it is not mine. the new credit card was cancel and the HSBC agent sent out a new credit card and mail me a written copy of the my fraud report. Now I have a debt collector calling my cell phone numerous times per day demanding XXXX dollars minimum payment. the Balance on the new credit card is up to XXXX dollars. These charges are Fraud charges from the same people, the same charges were done on my XXXX XXXX credit card and my XXXX Credit card. those charges were corrected. this is Identity theft and the HSBC agent agreed, but the Credit card account still continues to accrued monthly finance charges of XXXX dollars.
Company Response:
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an HSBC Premier Checking account around XX/XX/2021 under the promotion that advertised as 3 % cashback for direct deposit, up to a total bonus of {$120.00} per month, for up to 5 months. I have been doing my paycheck direct deposit starting from XXXX and haven't seen any cashback bonus deposited to my account as of today XX/XX/2021. I reached out to HSBC via internal message but received a very generic reply.
Company Response:
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened an account on line, a HSBC Premier Checking and Savings Account. I received the welcome letter, I received all the forms and documents in them mail, I've created and registered online security, etc. I have done EVERYTHING asked to prove who I am, etc. I was provided account and routing numbers. I have set up direct deposit. I even completed a mobile deposit via the banks app, now all of a sudden the bank has locked my account and will not allow me to access my funds. The bank is holding my {$5500.00} and will not let me access the funds via ATM or branch nor will they allow me to close my account to get my funds to go to another bank. This has been the MOST ridiculous side show experience opening up an account. HSBC representatives do not give two cares about you as a consumer. They are not being transparent. I keep getting the run around and barely understand their representatives. If you are not able to make mobile deposits or bank deposits what's the poinXXXX of having a checking account if you can't put money into it other than direct deposit
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Financial Institution : HSBC. I opened a credit card with them in XX/XX/2021. A month later I see they charged me interest on purchases, however, at the time of application, I remember very well that the account executive that opened the account, told me the card was 0 % APR for 12 months. I wanted to double check and contacted the bank via chat. The agent I talked with removed the interest charge, confirmed it was an error, issued a full refund and also confirmed the card was 0 % APR in 12 months for the first {$10000.00} in purchases ( my balance was below that amount at that time ). The next cycle comes and I'm charged again. I contacted both the account executive that opened my account ( I'm still waiting to hear back from her after two weeks ) and the bank 's customer service via message. They told me the card was NOT 0 % APR, ignoring what the agent told me via chat, and that they are not willing to issue a refund. They provided wrong information to me and I think is dishonest and unfair not to accept that. They didn't do it on purpose, but I planned my expenses according the information provided by the agent. I have screenshots of the conversation where the agent told me I had been charged by mistake and the card is 0 % APR for the first 12 months. See attachment below.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Tried to close an account, banker kicked me off the chat for saying the bank XXXX. Thus the banker punished me for trying to close the account and I now I have to spend more time trying to close this account. Below is the chat that is timestamped from HSBC. XXXX - XXXX XXXX Close the account Now ASAP I want the money transferred to a savings account Your bank XXXX XXXX - XXXX XXXX Since your inappropriate language/comments are continuing after being asked to refrain from doing so, I will be ending this chat. Conversation closed by the agent - XXXX XXXX
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A